1. The employee has continuously paid the common reserve fund for 6 months or more before the month of applying for the loan;

2, its own funds to pay the purchase price is not less than the prescribed proportion;

3. Being able to implement loan guarantee;

4. It has stable economic income and loan repayment ability, and its personal credit status is good;

5. There is no housing provident fund loan or the housing provident fund loan of this house has been fully paid off;

6. At present, the corresponding account of the provident fund has not been used to repay the house purchase loan;

7. Before this loan, if you use ordinary special account deposit or borrow supplementary pension account or special account funds to buy a house, the accumulated deposit of basic old-age insurance for the actual payment period of social insurance (provident fund) has been supplemented by my housing account, ordinary special account deposit or cash;

8. Other requirements.

(2) the place of application

Employees handle it at the deposit place.

(3) The agreement of the purchaser

* * * The same buyer is only the spouse and immediate family members of the first buyer.

(4) Term of the loan

The purchase of new ordinary housing, the longest loan period is not more than 30 years; For the purchase of second-hand houses or self-built houses, the loan period shall not exceed 20 years at the longest. When the loan applicant reaches the statutory retirement age, the loan term can be extended for five years.

If the loan applicant's application period is shorter than the prescribed maximum period, the loan period shall be subject to the application period.

The maximum term of housing provident fund loans will be adjusted according to the actual situation.

(5) Loan interest rate

The housing provident fund loan interest rate shall be implemented in accordance with the housing provident fund loan interest rate stipulated by the state.